working capital financing

Sometimes business suddenly goes so well that you risk becoming a victim of your own success. It happened to an importer of luxury sporty winter jackets and ski and bicycle helmets, who started having problems with the purchase of his goods. With Xolv Finance, part of Xolv, we cleared the hurdles for this entrepreneur so that he would be well off in the coming festive month - and the period after that. Read how we did it in this article.

You want to do business quickly. Seize opportunities immediately as they arise. For that, you need cash. Working capital. But where do you find that? Not at the bank. Since the economic crisis, they have been busy with everything from compliance rules to Basel agreements, but not with you: the SME entrepreneur. If they pay attention to their customers at all, it's the big, gilt-edged companies. So what next? Can your ambitions and revenue growth go into the refrigerator, or worse: the dustbin?

In mergers and acquisitions, the impact on cash flow is regularly not sufficiently considered, causing companies to run into problems. It is important not only to look at the financing of the acquisition, but especially to look closely at the financing of a company's cash flow. Is there sufficient liquidity, and if not: what solutions are available?

In previous articles, we have mentioned that the staffing industry is, in a way, the indicator of the economy. When the economy picks up, the number of staffing hours increases and when economic growth slows down, we see this reflected in a declining number of staffing hours. With the retail sector remaining in dire straits, it is important for staffing agencies to guard against this ongoing trend.

In the Netherlands, many dozens of financial institutions engage in working capital financing. These range from zzp-factoring (small invoices are advanced for a fee of a few percent), to financing debtor portfolios of millions of euros at large companies (for a fee of a few tenths of a percent).